you have seen president obama talking about the need to open up more refinancing. this is one of the most important things we can do at a time when interest rates just hit 3.4% this week, at the lowest 30 year mortgage rate in the history of the country. we have to open it up to more families. that is something the president has talked about. we are taking actions to do that. he is urging congress, at the senate, and the house to take action on the proposal to open up free financing more broadly. beyond that, i do not think we have heard much from the president's opponents on housing. i am not sure he has ideas that can move the housing market for word that are stronger of better than what the president has put forward. we heard governor romney say just what the housing market hit bottom. that is the something the president will let happen. that is why the president has been talking refinancing. >> before this election, what grade would you get yourself and your agency? >> clearly, if you look at where the housing market is in the improvements that have happened, t